Life Underwriting unit of Canada based John Hancock Financial Services has launched a new HealthStyles programme offering improved credits to a larger number of clients having favourable health and lifestyle factors.

The new programme will specifically offer potential class upgrades on Standard or better risks for clients aging 20-65, and potential upgrades on certain Substandard decisions to a maximum of Standard for clients aging 18-70.

John Hancock Life Insurance chief medical officer Larry Segel said the clients’ healthy lifestyles as evidenced by a wide range of factors including exercise, nutritious diet and preventive medical care can now directly translate into greater savings through better underwriting offers.

HealthStyles is the John Hancock’s proprietary crediting programme that allows permanent life insurance for both individual and survivorship applicants having favourable health and lifestyle factors to receive an improved underwriting rate class.

John Hancock offers a broad range of financial products and services, including life insurance, fixed and variable annuities, fixed products, mutual funds, 401(k) plans, long-term care insurance, college savings, and other forms of business insurance.